Embrace Vs. ASPCA Pet Insurance

ASPCA Pet Health Insurance offers less flexibility compared to Embrace, with limited deductible options impacting affordability. Its wellness plan's itemized limits may reduce annual value, and the lack of a medical history review at enrollment could lead to surprises regarding pre-existing conditions during claims.

Have more questions? Our Pet Insurance Advisors are here to help. Give us a call at (800) 779-1539 and we’ll walk you through it.


Select the pet insurance providers below to see how Embrace compares to other plans.

Plan featuresASPCA Pet Health Insurance
Deductible Options53
Medical Records Requirement12 MonthsFull Medical History
Covers Crowns, Root Canals, and ImplantsCheck IconX Icon
Flexibility to Change Coverage AnytimeCheck IconX Icon
Coverage for Hidden FeesCheck IconX Icon
Covers Working, Law Enforcement, & Guarding ActivitiesCheck IconX Icon
Window to Submit ClaimsFull Policy Term + 60 Days270 Days from Office Visit
24/7 pet telehealthCheck IconX Icon
International Travel Coverage:Check IconUS, US Territories and Canada Only
No Caps on ReimbursementUnlimited Plan With No Reimbursement CapLimits the amount they will pay you back
Cancel Any TimeCheck IconCould require 60-day notice

13 Reasons to Consider Embrace over ASPCA Pet Health Insurance

Embrace Pet Insurance vs Trupanion Pet Insurance

1. ASPCA Pet Health Insurance has Itemized Limitations for Wellness Plans

Because of the per-item limits, any leftover funds in their set categories are lost if they’re not used. Plus, their two wellness plans don’t cover the same things, so it can be tricky to pick the best plan for you.

Embrace promotes, rewards, and encourages healthy pets by offering Wellness Rewards, an optional non-insurance product that reimburses for everyday veterinary, grooming, and training costs with no itemized limits. And our wellness covers all the same things no matter which limit you select.

2. Embrace Offers More Deductible Options that Work with Your Budget

ASPCA Pet Health Insurance only offers $100, $250, and $500 deductible options which can be limiting when it comes to finding the most affordable plan. Embrace offers deductible options up to $1,000 so that you can find the perfect plan for you and your furry friend.

3. Embrace Requires Less Medical History to Process Claims

ASPCA Pet Health Insurance requires a pet’s full medical records to process claims – that could go back many years! Embrace only needs the last 12 months of records or, for new pets, records back to the first visit you’ve had with them.

4. ASPCA Pet Health Insurance Doesn’t Review Medical Records Before Claim Time

ASPCA Pet Health Insurance does not offer any review of a pet’s medical records at enrollment, leaving it to be done when the first claim is filed. Embrace offers you an optional Medical History Review. If your pet has any pre-existing conditions, this review will let you know how they could affect your coverage moving forward.

5. Embrace Covers Crowns, Implants, and Root Canals

With Embrace's dental illness coverage, we cover anything that your pet needs to resolve a dental illness including crowns, crown amputations, implants, fillings, root canals, and planing. ASPCA Pet Health Insurance excludes all of those from their coverage.

6. Change Coverage Anytime with Embrace

ASPCA Pet Health Insurance only allows changes to coverage at the start of a new policy period (once per year). With Embrace, you can make changes to your coverage at any time.

7. Embrace Covers Those Extra Fees

Ever wonder why vet bills seem higher than expected? Embrace customers don’t. We cover nearly a dozen additional charges that frequently find their way onto your bill—medical gloves, after-hours fees, office charges, and follow-up visits, just to name a few. In a time where all costs are climbing, being billed for basic office supplies to care for your pet shouldn't be your burden. Embrace ensures these extra fees aren't yours to bear, while most insurers will leave you footing the bill.

8. Embrace Covers Working, Law Enforcement, and Guarding Activities

ASPCA Pet Health Insurance doesn’t cover injury or illness that a pet sustains while working, including those in law enforcement and guarding. As long as you let us know that your pet is involved in any of these activities at the start of your plan, or when your pet becomes involved in one of these activities, Embrace will cover them.

9. Embrace Allows More Time to Submit Claims

ASPCA Pet Health Insurance requires claims be submitted within 270 days of the office visit. Embrace gives you your entire policy term, plus 60 days after it renews to submit claims.

10. ASPCA Pet Health Insurance Doesn’t Offer 24/7 Pet Health Line

ASPCA Pet Health Insurance does not give their policyholders access to Pet Pros round-the-clock, so if you have questions about your pet’s behavior, diet, or a possible emergency, you’d have to wait for your vet’s regular business hours. Embrace has partnered with PawSupport to give our policyholders access to Pet Pros 24 hours a day, seven days a week – even on holidays. And the best part is that this feature is included with every policy at no extra cost.

11. Explore the World with Your Pet, Worry-Free!

Embrace coverage ensures that no matter where you and your furry companion venture around the globe, you’re covered. Unlike many insurers, we provide the flexibility and freedom to travel internationally with your pet, as long as you live in the United States for six months out of the year. Why limit your explorations due to concerns about pet insurance? If you’re an avid traveler, make sure you understand your pet’s coverage.

12. Embrace Offers a Real Unlimited Pet Insurance Plan

Embrace offers an unlimited plan, which means there is no maximum on what we reimburse. In fact, we recently covered the largest claim in our company’s 17-year history for $48,000. Unlike ASPCA, which imposes restrictions on reimbursements, even for qualified claims, Embrace ensures you're fully protected. With us, you won't face unexpected bills or have to compromise on your pet's health due to coverage limits.

13. Embrace Doesn't Try to Lock You In

With Embrace, you have the flexibility to cancel your policy at any time, ensuring you're never locked into a commitment that doesn't suit your needs. In contrast, cancelling with ASPCA might require you to give a 60-day notice, potentially complicating your plans. Choose Embrace for hassle-free, flexible pet insurance that adapts to your life's changes, not the other way around.